May/June 2012
 | [FIRM LOGO] |
| [your firm address] | | | [your firm phone] | | | [your firm website address] |
 |
[insert firm-specific information or key firm dates in this area]. |
| Retirement scenarios — Watch out for potholes that could sidetrack your plans | |
 | Medical advances have resulted in people living longer than they used to, so it’s reasonable to wonder if age 65 is still a realistic target age for retirement — especially now that the “full” retirement age for Social Security is older. Furthermore, a serious illness, accident or other misfortune could radically alter how long it may be possible to work. This article looks at some key factors to consider when contemplating various retirement scenarios, such as inflation, unexpected medical costs and maintaining adequate growth potential. A sidebar discusses Social Security benefits. Read More |
 | |
| Hands off! — 4 asset-protection strategies to consider including in your wealth management plan | |
 | When it comes to forming a comprehensive wealth plan, including asset-protection strategies is a must. Executed properly, they can reduce the chances of creditors and litigants gaining access to personal assets. This article looks at four specific strategies: reviewing insurance coverage; sheltering assets in retirement accounts; separating a business interest into different entities; and creating a trust. Read More |
| |
| Should you reinvest dividend income? | |
 | Reinvesting dividends can make your investments grow faster through compounding. For many investors, that is a compelling enough reason to do so. However, reinvesting dividends may not be a good call in all situations. For example, the dividend income might be needed to cover current spending needs. This article discusses both the pros and cons of reinvesting dividend income. Read More |
| |
| A blended family can benefit from a QTIP trust | |
 | This brief article examines the situation of “Ted and Barb,” each of whom has children from a previous marriage. Ted has significantly greater wealth than his wife, and he wants to be sure it ultimately will be distributed to his biological children per his wishes. But he also wants to provide for Barb and help her provide for her own children while they’re growing up. This article shows how a qualified terminable interest property (QTIP) trust can keep the family harmonious and balance these interests. Read More |
| |
This publication is distributed with the understanding that the author, publisher and distributor are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. ©2012 • PFPmj12 | |